| "Buy low, sell high" - easiest principle in the world, yet amazingly hard to follow as people are affected by pessimism and euphoria.
The answer to your question depends on how far away you are from your (expected) retirement. The further away you are, the more stocks you should have. Some recommend "120-age"% in stocks, which I think is pretty conservative. Ignore short-term market trends as you're in it for the long haul. A low like this is actually good for stocks, you get more for the same price. I'd also recommend index funds over actively managed ones - very few funds outperform the market long-term after fees, so your odds of picking one that does are slim. | 